topic Re: American Express vs. Harry Potter in Credit Card Applications

American Express vs. Harry Potter

1dayatatime1999 — Mon, 17 Nov 2025 19:29:04 GMT

Hi All,

The mail I received today from American Express reminded me of the scene from the Harry Potter movie when Hogwarts was trying to send Harry his acceptance letter, and more and more letters kept arriving.

Last week I received 5 letters from AmEx, all saying the same thing regarding the Supplemental Card Agreement. Today, I received 107 (yes, literally one hundred and seven) more letters all saying the same thing.

I tried contacting them through chat, but the person on the other end kept thinking I was talking about duplicate emails. She kept apologizing for all the emails. So I thanked her for her time and decided to call in, and this time I got a super nice person that understood the problem and saw that they actually did send all of them out and said she did not know why or how it happened, but she would try and get the problem fixed.

And the funny part is I have not even received the actual credit card yet. I wonder how many of those will arrive. LOL!!

Re: American Express vs. Harry Potter

zerofire — Mon, 17 Nov 2025 19:53:25 GMT

This looks like someone has committed fraud on the account. They added a bunch of people as authorized users possibly for a payment so that their reports would improve. You might want to check if only the correct people are allowed to send charges in. Naturally it looks like the start of the Harry Potter series in the first book/movie. Just watch out or they will send a Hagrid too.

Re: American Express vs. Harry Potter

1dayatatime1999 — Mon, 17 Nov 2025 19:57:45 GMT

Wow!! Thank you for that input!! I did not even think about that, it never crossed my mind.

Is that something that I would check for see or be able to check online?

Re: American Express vs. Harry Potter

1dayatatime1999 — Mon, 17 Nov 2025 20:10:58 GMT

@ zerofire!!

Again, thank you! I went to my online account and I did not see any AUs but I went ahead and requested that the card be replaced and expressed my concerns ahead of time even though I have not even received or confirmed receipt of the card yet.

I really hope that did not happen. Does cancelling the card shut down the possibility of someone trying to do that?

I have to admit, I am also a little embarrassed wondering what our mail carrier might be thinking. Lol!

Re: American Express vs. Harry Potter

Varsity_Lu — Mon, 17 Nov 2025 22:18:41 GMT

The new hire at AmEx last week handling your account:

Re: American Express vs. Harry Potter

1dayatatime1999 — Mon, 17 Nov 2025 23:33:35 GMT

@ Varsity_Lu,

Thank you for responding.

LOL!!!!!! That's too funny!!

That new hire must be working overtime! I thought the 107 that I received early this morning was it. Nope, the mail carrier came back later this afternoon and gave me the rest of them. She said my box was full with the first batch. She gave me an additional 97 letters of the same thing for a total of 209 letters so far. Wow!!

I really don't know what's going on, but I hope AmEx has not been hacked. I'm not sure just how worried I should be. I've never seen anything like this before.

Re: American Express vs. Harry Potter

Dcowboy08 — Tue, 18 Nov 2025 00:25:51 GMT

Grats on the 107 letters. Now I know why my Plat carries a $895 annual fee. To pay for your letters and stamps... I guess I should add, You're Welcome.

Also grats on the new card.

Re: American Express vs. Harry Potter

1dayatatime1999 — Tue, 18 Nov 2025 01:06:58 GMT

Hi Dcowboy08, thank you and thank you for responding!

To be honest, I'm not sure what to expect next. Since I spoke with AmEx this morning already, hopefully they will fix the glitch which will give my mail carrier a bit of a break! LOL!!!

Re: American Express vs. Harry Potter

zerofire — Tue, 18 Nov 2025 04:08:13 GMT

All you need to do is check your authorized users. Make sure there are no extra cards allowed that you are not expecting. Normally each of those envelopes would have a different person authorized to receive them. If they are all in your name then AmEx is seriously wasting trees.

Re: American Express vs. Harry Potter

1dayatatime1999 — Tue, 18 Nov 2025 14:58:19 GMT

@zerofire wrote:
All you need to do is check your authorized users. Make sure there are no extra cards allowed that you are not expecting. Normally each of those envelopes would have a different person authorized to receive them. If they are all in your name then AmEx is seriously wasting trees.

Thank you for the feedback. I checked and I don't have any authorized users, I've never had any. I did look at that yesterday, but I requested a card replacement anyway.

Based on my USPS Informed Delivery email this morning, unfortunately it looks like I will have some more letters from AmEx arriving today. I won't know how many untill they arrive.

Re: American Express vs. Harry Potter

aplast — Tue, 18 Nov 2025 23:16:48 GMT

@1dayatatime1999 wrote:
@zerofire wrote:
All you need to do is check your authorized users. Make sure there are no extra cards allowed that you are not expecting. Normally each of those envelopes would have a different person authorized to receive them. If they are all in your name then AmEx is seriously wasting trees.
Thank you for the feedback. I checked and I don't have any authorized users, I've never had any. I did look at that yesterday, but I requested a card replacement anyway.

Based on my USPS Informed Delivery email this morning, unfortunately it looks like I will have some more letters from AmEx arriving today. I won't know how many untill they arrive.

Congrats on the approval, and a big LOL to the hundreds of letters you got. Your title was interesting enough to click. What a weird/different situation!

Re: American Express vs. Harry Potter

TrapLine — Wed, 19 Nov 2025 10:42:33 GMT

Amazing ... you are experiencing so much love ...

Hope you get the card and less paper in the future!

Re: American Express vs. Harry Potter

1dayatatime1999 — Wed, 19 Nov 2025 16:20:48 GMT

@aplast wrote:
@1dayatatime1999 wrote:
@zerofire wrote:
All you need to do is check your authorized users. Make sure there are no extra cards allowed that you are not expecting. Normally each of those envelopes would have a different person authorized to receive them. If they are all in your name then AmEx is seriously wasting trees.
Thank you for the feedback. I checked and I don't have any authorized users, I've never had any. I did look at that yesterday, but I requested a card replacement anyway.

Based on my USPS Informed Delivery email this morning, unfortunately it looks like I will have some more letters from AmEx arriving today. I won't know how many untill they arrive.

Congrats on the approval, and a big LOL to the hundreds of letters you got. Your title was interesting enough to click. What a weird/different situation!

Hi @aplast,

Thank you! I still have not received the credit card yet, but yesterday I received an additional 40 letters (all saying the same thing) which by my count makes a total of 239 letters so far.

I've called back a few more times (and tried the chat), but so far they all just say they have never seen anything like this before and they will look into it. And when I ask for a supervisor, apparently none are ever available!

I really hope they fix it soon!!

Re: American Express vs. Harry Potter

1dayatatime1999 — Wed, 19 Nov 2025 16:27:34 GMT

@TrapLine wrote:
Amazing ... you are experiencing so much love ...

Hope you get the card and less paper in the future!

Hi @TrapLine,

Thank you!

I hope it arrives soon also, but I'm not sure what to expect anymore, this has been a really crazy experience.

Re: American Express vs. Harry Potter

Vinjints — Wed, 19 Nov 2025 16:35:11 GMT

Cost you less than 10 bucks.

Return to Sender

Re: American Express vs. Harry Potter

1dayatatime1999 — Thu, 20 Nov 2025 01:35:17 GMT

@Vinjints wrote:
Cost you less than 10 bucks.
Return to Sender

Hi @Vinjints ,

In the beginning I thought about sending them all back, but I thought twice about doing something like that.

Although I do not know what the glitch is in their system, the last thing I would want to do is to cause them to think my address was incorrect. That might cause an even bigger problem for me. LOL!!!

Re: American Express vs. Harry Potter

DXness — Mon, 24 Nov 2025 17:55:50 GMT

This is the strangest and most entertaining thing I've ever seen on MyFico...especially if there's no actual AU fraud and it's just a wild glitch!

Re: American Express vs. Harry Potter

RobertS2 — Mon, 24 Nov 2025 23:09:25 GMT

Wow! Swear this isn't AI? I was doubting the Harry Potter claim at first, but this is nuts!!

Re: American Express vs. Harry Potter

1dayatatime1999 — Tue, 25 Nov 2025 00:00:21 GMT

@DXness wrote:
This is the strangest and most entertaining thing I've ever seen on MyFico...especially if there's no actual AU fraud and it's just a wild glitch!

Hi DXness,

It's real and very strange. I'm a little frustrated now because I've spoken with Amex several times and although they can see it on their end when they look into the system (so far I've received a total of 248 letters) and they promise to fix it, they seem as lost as I am. I received 9 more in today's mail.

I do not have any authorized users, and I've frozen the account online, so I don't think it's fraud, but I'm completely lost. But, they have slowed down. Like I said, today was only 9 additional letters. LOL!!!

The one thing that I do believe is that the glitch has something to do with my Hilton Aspire card. I say that because when I did not receive my first card by the expected delivery day, I had it replaced. All of the original letters referenced that card and the last 5 numbers of that card. Today's batch referenced the last 5 numbers of the new replacement card number. Also, the information inside is referencing the Hilton Aspire card.

After all of this, I'm still waiting on the actual replacement card. All I know is that it was suppose to arrive via UPS on Friday. Today when I asked for a tracking number, again just like last time, they do not have one. :-(

At this point, I'm not sure who to call or how to get past the first level of customer service. When I ask for a supervisor, one is never available and I have not received a return call yet.

Re: American Express vs. Harry Potter

1dayatatime1999 — Tue, 25 Nov 2025 00:20:44 GMT

@RobertS2 wrote:
Wow! Swear this isn't AI? I was doubting the Harry Potter claim at first, but this is nuts!!

Hi RobertS2,

No, it's not AI. LOL!!!

Today, I received 9 additional letters, so I've been just stacking them on my coffee table. Since we will be out of town for a week, once we get back, I am going to just take an updated picture and send a certified letter to corporate (I'm not sure who else to contact) to see if they could please help get this under control, and if I have not received my actual card by then, maybe they could help with that also.

Again, I'm completely lost on this one.